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What’s the Difference Between All These Cards?

You need credit but you keep hearing all these different terms: unsecured card, secured card, pre-paid card...If it seems like there’s a bewildering amount of options out there for you, you’d be right. There are many different types of cards available. That’s because there’s a credit product for just about every person’s financial situation. It may seem confusing, but let me take you through a very simple guide to three different types of cards that are out there.



Unsecured credit cards are built specifically for people with good to fair credit. No, an unsecured card is not a card that doesn’t feel quite confident about itself! Rather, unsecured just means that the bank that is issuing you the credit is supplying that credit without a guarantee that they will be paid back for that money (of course, always make those payments!).

Although approval is not guaranteed, this is a great option to help rebuild your credit as long as you can make timely payments. Make sure to try and pay your entire balance monthly or at least make your minimum payments to help build your credit!



Secured cards are basically credit cards that are backed by a savings account used as collateral on the credit available with the card. Money is deposited and held in the account backing the card. The limit will be based on both your previous credit history and the amount deposited in the account.

This type of credit card is used by people with little to no credit or a past history of bad credit. The major benefit that these cards provide is the ability to rebuild or establish a credit history which at some point may allow users to gain unsecured credit cards or other forms of credit finance. Another benefit of secured cards is that holders can purchase products that can only be paid for with credit cards such as with some online retailers.



Prepaid cards are exactly what they sound like: you pre-pay or load money onto the card so that you can spend it at a future date. So you can only ever spend as much as you put in.

Prepaid credit cards are a great option if you are unable to get approved for a secured or unsecured card. You get the convenience of being able to use plastic and not having to carry around cash. These credit cards act in a similar fashion to a debit card where the funds are taken directly out of the account as you spend the funds.

Pre-paid cards are great for someone that needs to develop the discipline of keeping a budget and paying off bills. Let’s face it, when you have bad credit, the last thing you want is another credit card.

So that’s a quick overview of three major categories of cards. Not too difficult, huh? Now, sit down and really think which situation is best for you and remember to never spend more money than you can afford to!